» » ยป

Getting Your Loan Modifications Approved Fresno CA

There are several steps to get on your way to a successful loan modification, all of them as equally important as the last. Loan modifications are currently the most viable option to avoid foreclosure for most middle-income families in Fresno.

Wells Fargo - Blackstone & Clinton Branch
(866) 245-3452
2425 North Blackstone Avenue
Fresno, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Tower District Branch
(800) 432-1000
1264 Wishon Avenue
Fresno, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Bank of the West - Fresno Branch
(800) 488-2265
2035 Fresno Street
Fresno, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - Fresno Main Branch
(866) 245-3452
1206 Van Ness Avenue
Fresno, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - East Fresno Branch
(800) 432-1000
4445 East Tulare Street
Fresno, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Union Bank of California - Fresno-Mclane High School Branch
(888) 818-6060
2727 N Cedar Ave
Fresno, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $17.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Union Bank of California for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Citibank - 3141n Cedar Ave Branch
(800) 374-9700
3141 North Cedar Avenue
Fresno, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee is waived when you meet the account's minimum balance requirements.
Surcharge fee: Surcharge-free ATM access is available at all MoneyPass Network ATM locations.
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Citibank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Fresno City Centre Branch
(800) 432-1000
2513 Fresno Street
Fresno, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Manchester Center Branch
(800) 432-1000
3790 North Blackstone Avenue
Fresno, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - Fresno Fig Garden Branch
(866) 245-3452
5210 N Palm Ave
Fresno, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Data Provided by:

Getting Your Loan Modifications Approved

Provided By:

Getting Your Loan Modifications Approved - Guide to Getting Your Modification Through

Author: Walter Sigmore

Loan modifications are currently the most viable option to avoid foreclosure for most middle-income families. While they are not a traditional answer to avoiding foreclosure like refinancing, they are much more available and are effective in most situations.

When most people think of loan modifications, they think of a free break. But financial institution has for modifications are nowhere near as easy to get as many would hope. There are strict requirements each financial institution has for loan modifications, and although the Obama Administration has made great strides to make modifications much less difficult to obtain, they are still not a walk in the park.

Getting a loan modification requires the right paperwork, negotiations, and perseverance.

To start off, you need to determine whether or not you are really under financial hardship or not. Under the Home Affordable Modification Program, a homeowner must be going through financial hardship in order to qualify for loan modifications with any lender. Financial hardship is indicated by having a high debt to income ratio, so much so to the point where making payments are almost impossible. Luckily, or unluckily, a large portion of homeowners in the United States are currently going through financial hardship and they at least have that requirement filled.

Besides financial hardship, your lender is going to need proof of your income and expenses, and will also take a look at your credit, and take a look at the initial and current values of your home.

If you're confident you're in financial hardship or think you might be, it's time to fill out the loan modifications application. Several financial institutions have the applications on their website to give you an easier and streamlined process, but sometimes it can be better to fax, mail in, or even take the application in to a local office. Sending it in online can be easier, but giving it a more personalized touch can help you in negotiations, especially if you are working with a smaller lender.

Along with your application, you're going to need to submit a letter of hardship. The hardship letter is the sole medium a lender will listen to pertaining to your take and circumstances. Any particular circumstances that have led to your current financial hardship are to be described in the letter. The letter may seem like a step you can skip, but in reality the hardship letter can prove to be the most important and tide turning part of your application.

After the application and letter comes the negotiations. It's possible to successfully negotiate on your own, but you have a better chance with a loan modifications attorney or a representative from the FHA backing your argument. And even after the negotiations, it can take eight weeks for loan modifications applications to be approved, so while the modification can help you, it is not a temporary or quick fix.

About the Author:

For additional information on getting loan modifications approved visit the #1 loans modification resource on the net: http://HomeLoanModifications101.com

Article Source: http://www.articlesbase.com/mortgage-articles/getting-your-loan-modifications-approved-guide-to-getting-your-modification-through-921646.html